Senior Software Engineer, Affirm Bank

At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most. About the Role Affirm is building its own bank — and this role is one of the most senior individual-contributor seats on the engineering team that runs it. We're looking for a Staff Software Engineer to be a technical anchor for a deliberately small, AI-native team that owns the systems behind Affirm's bank: vendor-integrated banking infrastructure, the data platform, and the operational tooling that holds it all together. You'll set technical direction across that surface area, own the hardest problems on the team — including the Bank ↔ Affirm Inc integration boundary — and operate with direct exposure to senior bank and Affirm leadership. This is a rare opportunity to shape a new business from its very first systems — a startup-like build inside an established company — at a level of ownership that goes beyond delivering your own projects. As a Staff engineer here you set the bar: the architecture, the standards, and the technical strategy that the rest of the team builds against. The team is small and AI-native, the surface area is broad, and the decisions you make carry far — every system you ship serves real customers under a real bank charter, and the patterns you establish determine what the bank becomes. What You'll Do Set technical direction across the bank's systems. Own the medium-to-long-term technical strategy for the bank's core surfaces — cloud infrastructure, data platform, core banking configuration, CI/CD, networking, and the Bank ↔ Affirm Inc integration — and make the architecture calls the rest of the team builds against. Generalist breadth is expected; you go deep where the risk is highest. Own the hardest problems end-to-end. Personally design, build, integrate, and operate the most ambiguous and highest-stakes pieces of the stack, and own incident response for them.

At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most. The Data and Storage Services team is responsible for Affirm's data infrastructure across OLTP and OLAP systems, spanning critical online checkout databases, batch orchestration, streaming infrastructure, event-driven frameworks, BI, analytics tooling, large-scale data platforms, and agentic data tools such as semantic layers and internal platform data applications. Our mission is to provide trustworthy, intuitive, and cost-efficient solutions for Affirmers to secure, store, analyze, and transform data at exceptional scale. The Online Storage team provides a set of managed databases as a platform, used to persist data for all Affirm services. Our platform enables self-service access to OLTP storage systems, including Relational DB(MySQL), KV(DynamoDB), Distributed SQL(TiDB) and Cache(Redis). As a team, we are responsible for various data and access patterns, including but not limited to mission-critical financial transactional data, data science models, and any new persistence use case. These responsibilities require us to learn and gain deep expertise in various database systems. We are looking for a talented Senior Software Engineer who can architect, build and scale Relational and Distributed SQL Databases identifying opportunities to improve how we build, productionize, operate and improve this mission-critical infrastructure to unlock substantial value within our business. You’ll have the opportunity to directly influence your team’s roadmap in close collaboration with your peers, share your knowledge and expertise with others and learn from some of the best on our shared mission to deliver honest financial products that improve lives. What you’ll do You will build and operate the control plane for large-scale distributed SQL databases such as MySQL and TiDB, automating provision

At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most. The Card Loan Platform team builds the high-throughput decision engine at the heart of Affirm’s card products. Unlike traditional cards, every pay-later transaction is backed by its own unique loan, and our system is the "invisible piping" that makes this complex model work at scale. Every swipe triggers our platform to solve a hard problem in milliseconds: matching messy, fragmented payment network data to the correct loan to drive real-time approvals, origination, and refunds. As Affirm experiences explosive growth, our team's contributions are a key enabler. This isn't just another backend role; you'll be building the "financial brain" for our flagship card products, with your work on the critical path for every single swipe. We're tackling a unique, high-stakes distributed systems challenge that demands exceptional correctness and massive scale. You will partner closely with product, data science, and engineering teams to design and build the future of our industry-leading money movement platform. If you are passionate about making foundational design decisions and building a beloved, lasting financial brand—come join us. It’s going to be an amazing ride! What you'll do Drive technical strategy by leading the planning, prioritization, and execution of projects, ensuring alignment with product, technical, and business goals. Lead the end-to-end system design and development of large-scale, high-availability services. This includes building robust APIs and data models for our micro-service and event-driven architectures. Collaborate across functions with partners in Product, Analytics, Design, Legal, and Accounting and to define requirements and execute our card loan attribution and lifecycle strategy. Ensure system health and performance by analyzing and troubleshooting complex technical

At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most. The Data and Storage Services team is responsible for Affirm's data infrastructure across OLTP and OLAP systems, spanning critical online checkout databases, batch orchestration, streaming infrastructure, event-driven frameworks, BI, analytics tooling, large-scale data platforms, and agentic data tools such as semantic layers and internal platform data applications. Our mission is to provide trustworthy, intuitive, and cost-efficient solutions for Affirmers to secure, store, analyze, and transform data at exceptional scale. The vision for the Lakehouse Infra team is to provide reliable, scalable, self-serve and Affirm-optimized offline data access to enable ML, Product, and Financial Engineering success. Our team is responsible for hosting the data infrastructure that serves as a backbone for processing various business critical money and loan movement workloads at Affirm across our batch and analytics ecosystems. Affirm is growing rapidly and so is the need for reliable and high availability frameworks. If solving data lake challenges at scale excites you, come join us! What you’ll do You will be responsible for owning and delivering quarterly goals for your team, leading engineers on your team through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery. You will support your peers and stakeholders in the product development lifecycle by collaborating with product management, design & analytics by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs. You will proactively identify project, process, technology or business issues, advocate for them, and lead in solving them. You will support the operations and availability of your team’s artifacts by crea

At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most. The Marketplace and App Experience domain is the main pillar of our core consumer strategy, driving the user journey across all of our frontend surfaces: Mobile and Web. The teams span across multiple products and areas to engage and provide value to our customers, starting with the Home hub in the app or website, which expands into the various product offers and journeys a user can embark on with Affirm. This role will be at the forefront of our front-end facing cross-team projects, working closely with other teams and engineers across our mobile and web technologies, while also evolving and collaborating with every product experience team at Affirm. What You'll Do With the support of your team’s tech lead and manager, you will break down larger projects into individual tasks, deliver them in multiple phases, and collaborate with others to ensure timely delivery of your work. You will support your peers and stakeholders in the product development lifecycle by collaborating with product management, design & analytics by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs. You will support the operations and availability of your team’s artifacts by creating and monitoring metrics, escalating when needed, and supporting “keep the lights on” & on-call efforts. You will contribute to a sense of community on your team by engaging in growth and development activities such as participation in the interview process. What We Look For You have a total of 1.5+ years of experience as a software engineer. You have experience shipping web apps using declarative UI frameworks like React or Vue You have experience shipping mobile apps using native or cross-platform languages like React Native You have experience desi

At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most. Consumer Growth Experience Engineering (CGX) builds the platforms and end-to-end experiences that power Affirm’s consumer growth across push, email, app, and web. We own the core engagement surfaces and systems that help customers discover value, onboard seamlessly, and take confident next steps by using personalization, segmentation, and experimentation to deliver the right experience at the right moment. Our work sits at the intersection of product, analytics, design, platform, and growth. We focus on building scalable, reliable tooling and consumer experiences that enable rapid go-to-market, improve conversion and activation, and grow long-term customer value. If you’re excited about shaping high-impact consumer journeys, solving ambiguous growth problems, and turning strategy into measurable outcomes at scale, CGX is the team for you. What You'll Do You will be responsible for owning and delivering quarterly goals for your team, leading engineers through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery. You will support peers and stakeholders in the product development lifecycle by collaborating with product management, design, and analytics, participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs. You will proactively identify project, process, technology, or business issues, advocate for them, and lead in solving them. You will support the operations and availability of your team’s artifacts by creating and monitoring metrics, escalating when needed, and supporting “keep the lights on” and on-call efforts. You will foster a culture of quality and ownership by setting or improving code review and design standards for your team, and advocating for them beyond